{
    "title": "Emergency Fund Scenario Matrix",
    "updated": "2026-08-06",
    "methodology": "Target fund = essential monthly expenses × target months. Remaining gap = max(0, target − current fund). Scenarios are illustrative.",
    "limitations": "The report does not recommend a specific account, target, or investment and does not consider every household risk.",
    "columns": [
        "Essential monthly expenses",
        "Target months",
        "Current fund",
        "Target fund",
        "Remaining gap"
    ],
    "rows": [
        [
            "$2,500",
            3,
            "$1,000",
            "$7,500",
            "$6,500"
        ],
        [
            "$2,500",
            6,
            "$5,000",
            "$15,000",
            "$10,000"
        ],
        [
            "$4,000",
            3,
            "$2,000",
            "$12,000",
            "$10,000"
        ],
        [
            "$4,000",
            6,
            "$8,000",
            "$24,000",
            "$16,000"
        ],
        [
            "$6,000",
            6,
            "$12,000",
            "$36,000",
            "$24,000"
        ],
        [
            "$7,500",
            9,
            "$15,000",
            "$67,500",
            "$52,500"
        ]
    ]
}